Your business can offer customers the opportunity to make purchases using a branded credit card and conveniently pay off the balance over time with special promotions. Plus, our team executes custom marketing programs to drive your success.
million card holders
brand partners
billion in annual transaction volume
We deliver solutions for any budget and life stage. We’ve helped brands like you build lasting customer loyalty and increase sales for more than 30 years. And we do it through tech-forward tools, products, and data-driven customer insights.
Boosting your Customer's purchase power will ultimately lead to increased sales and larger average tickets whether in-store and online.
Our flexible, customized underwriting and risk solutions maximize approval rates, credit limits and profitability.
Through our suite of white label financing products, your band can grow your business by acquiring, converting and retaining more customers.
Your branded credit card with customizable financial offerings and competitive incentives increasing your brand loyalty.
Robust custom marketing campaigns, both acquisition and existing, focused on elevating your brand and program usage.
Unlock flexible loan terms and financing programs that work for your business and are more affordable for your customers.
Provide traditional and alternative financing options including credit cards and Pay Over Time.
Promotional financing is available at your customer's fingertips, whether in-store, online, or both.
Eliminate the payments middle man. Bread Financial operates two banks, which allows us to have deeper underwriting and higher approval rates while offering financing software to enable you to grow.
For a “big ticket” retail brand, the on average spend per transaction increased 33% than with the previous issuer Synchrony & Citi**
Spring 2022 we converted a PLCC brand from Barclay’s, in the first six months Bread Financial opened 2.5X more new accounts than the previous issuer had in the 12 months prior to conversion. ***
With Bread Financial’s Installment Loan, a premier coffee machine brand had a 58% increase in YOY sales using the 24-month promotional terms.****
For our ecommerce platform businesses have seen 61% increase in larger average tickets.+
*Numbers based upon open credit card accounts in comparison to US population 18+.
**Cumulative data from this case study is based on a brand's program performance from Spring 2022. Results may vary by brand and not all brands will achieve these results.
***Cumulative data from this case study is based on a brand's program performance from Spring 2022. Results may vary by brand and not all brands will achieve these results.
****Cumulative data from this case study is based on the merchant’s loan activity dated January 2021 through April 2022.
+Cumulative data and case studies from Bread Pay’s base of merchants across verticals dated November 2017 through October 2020. Results may vary by merchant and not all merchants will achieve these results.
We’re a tech-forward financial services company. We provide simple, personalized payment, lending and saving solutions.